In this video I break down the Purdue Federal Credit Union Visa Business Credit Card and why it’s such a “predictable” option compared to a lot of big-bank business cards. The big headline is the structure: $0 annual fee, often a 12-month 0% intro APR on purchases, balance transfers, and cash advances, and then a fixed APR (usually 15.5% to 17.5%) instead of a variable rate tied to prime. If you’re trying to stabilize cash flow or you just hate watching interest costs move around, that fixed-rate setup is the main reason this card stands out. I also cover the practical perks that actually matter for day-to-day business spending: no balance transfer fees, no cash advance fees, and Visa SavingsEdge discounts (up to 15% at participating retailers, hotels, and gas stations). On the protection side, you get purchase security for 90 days (up to $10,000 per claim) and extended warranty that can add up to one extra year on eligible warranties. But I don’t gloss over the tradeoffs. Membership eligibility is tight (Purdue affiliation or certain Indiana counties) and you’ll need to open/maintain a business savings account. The biggest “read the fine print” issue is cross-collateralization—your business deposits at the credit union can be used to satisfy the credit card debt if you default. Add in up to a 1% foreign transaction fee and up to a $25 late/returned payment fee, and you’ve got a clear “worth it or leave it” decision depending on how you run your business.